Seeking Compensation for Injuries Received as a Rideshare Passenger in a Car Accident
Posted on behalf of Goldberg Finnegan, LLC on Jun 14, 2019 in Car Accidents
Rideshare companies are quite popular among people in Maryland and throughout the country. Used for many reasons, these services give commuters more travel options that are typically more affordable than taxis or private cars. Unfortunately, car accidents can still happen when using a rideshare service, which leads injured victims to wonder – who is liable for damages?
Below, our Silver Spring car accident attorneys review insurance coverage for companies like Uber and Lyft and what to do if you are injured in an accident while using a rideshare service. If you were injured, contact us today for a free, no obligation consultation.
Understanding Insurance Coverage for Rideshare Companies
Drivers who work for a rideshare service must carry their own insurance policies, just like a driver who works for a major transportation network business. Rideshare companies such as Uber and Lyft also have insurance to protect drivers and passengers if there is an accident.
Maryland law requires that vehicles used in rideshare services be insured for collisions that happen when the vehicle is used for commercial purposes. The state has also established other legal requirements for rideshare drivers, which include holding a transportation network operator’s license and passing a national criminal history records check.
These companies have three levels of insurance that cover accidents involving their drivers:
- A driver is covered by his or her own personal policy in the event of an accident that occurs when the driver is not on duty for the rideshare service and the rideshare app is turned off.
- When the driver is on duty and the app is turned on, but he or she has not accepted a ride, the rideshare service’s liability insurance covers an accident.
- From the time a driver accepts your ride to the time you are dropped off, the rideshare service’s auto liability and uninsured or underinsured motorist coverage applies. This is the situation that typically applies to users of a rideshare service injured in an accident.
Can I Sue the Rideshare Company If I Get Into a Crash?
Drivers who work for rideshare services like Lyft and Uber typically are not employees of the company. They are classified as independent contractors in most cases, which typically shields the company from liability for driver negligence.
Because of their driver employment classification, it is difficult to sue a rideshare company in the event of an accident. However, you are able to make a claim against the company’s insurance policies that are applicable at the time of your accident.
Filing a Lawsuit in Maryland
In the event of an accident involving a rideshare service, the claims process is much like filing a claim if you were in an accident in your own vehicle. However, it may be difficult for you to determine which insurance is applicable in your situation. A skilled attorney can help you pursue the appropriate claim.
The amount of required insurance coverage for rideshare services may vary, so it is important to contact an attorney to determine what coverages may be available to you.
Keep detailed records of your medical bills and other expenses related to your accident. Also, record all details related to the collision. Insurance companies will try to pay you as little as they can, which is nothing new or specific to policies covering rideshare services. Working with a lawyer after a car accident can be very advantageous when trying to recover the maximum compensation you deserve.
Injured in a Rideshare Vehicle? Call Us Today
If you were injured in an accident while using a rideshare service, you may be entitled to compensation for your medical bills, lost wages, and pain and suffering. Our legal team at Goldberg Finnegan can help you pursue the responsible party for the maximum compensation you deserve.
Request a free, no obligation consultation and learn what legal options may be available in your case. We charge no upfront fees and payment is only due if you recover fair compensation.